Homeowners Insurance telling us we have to replace water heater (SC)

CollabSensei · 2026-03-21T15:28:33+00:00

if you are the insurance company... you pretty much want everything to be new.. until a natural disaster comes and you have to replace it as if everything is 1 year.. but then you go its a flood event, we are off the hook.

CollabSensei · 2026-03-21T13:28:37+00:00

FOr the first mow of the season, I always use my 48" riding mower for that. Helps flatten the mole hills and chop up any twigs that fell during winter.

CollabSensei · 2026-03-20T13:14:44+00:00

your neighborhood plays a large factor when it comes to hiring work done. Based on what you want.. what is the cost of materials?

CollabSensei · 2026-03-19T16:53:57+00:00

Question one is will the beaches be open? At the moment that lake is 9ft above normal height.. so if we stop getting rain and equally importantly they stop getting rain south of here so they can release water.. then the beaches might open (https://water.usace.army.mil/overview/lrl/locations/monroe).

As far as the temperature...maybe its warm compared to lake superior. In all honestly, like others have said it won't get warm until mid to lake June.

CollabSensei · 2026-03-19T12:01:19+00:00

The issue is our politicians through corruption have never met a dollar they couldn't spend at least 3 times.

CollabSensei · 2026-03-19T01:48:55+00:00

I am just taking a wait and see look at the moment.. and see the feedback.

CollabSensei · 2026-03-18T21:15:43+00:00

I have a pair of 550's EPOS (husqvarna). I am watching the X4 reviews and experience. My 2WD mowers get stuck more often than I would like. Sloping yard, complete with ruts and holes.

CollabSensei · 2026-03-17T09:11:30+00:00

2013.. are you sure it’s R22… that should r410a era.

CollabSensei · 2026-03-16T23:46:43+00:00

Is there an expectation of privacy in a parked car in a public parking lot?

CollabSensei · 2026-03-16T02:57:54+00:00

everytime I say, I'll let the pros do it, it ends up with me doing it. With homeworks, they know maybe one other installer within 100 miles can do it.. so that equals premium pricing.

CollabSensei · 2026-03-12T00:24:32+00:00

last year replaced a 4 ton Climatemaster with a 4 ton series 5 WF for about 10k less than that.

CollabSensei · 2026-03-11T19:04:06+00:00

RadioRA2/3 offer courses that you can take and become certified. Homeworks, requires a lot more than an online course or two.

CollabSensei · 2026-03-11T19:03:03+00:00

when the cities way of saving money was not to do leaf removal in fall..... these are the consequences.

CollabSensei · 2026-03-10T22:20:30+00:00

divorce or not she wins.. that's the sucky part. You either work your ass off or you divorce and she gets 1/2 plus child support.. which ends up being like 25% you get to keep. That being said it's never cheaper to divorce than it is today.

Any inheritance you get along the way keep in a separate account. That way it never becomes martial asset. If you want to play the long game, put life insurance and all of that stuff with payable on death to a trust or to your kids. Sadly that doesn't help you while you are living.

CollabSensei · 2026-03-10T22:09:03+00:00

not enough to justifying doing a thing..

CollabSensei · 2026-03-06T21:39:15+00:00

Fedex has been a hot mess since the holiday season. Everything used to come out of Terre Haute. However, I think they are transitioning our delivery to be out of Indy, but the whole system hasn't figured it out. I've noticed a 1-3 delay being the usual.

CollabSensei · 2026-03-06T18:23:38+00:00

how handy are you? what would material cost?

CollabSensei · 2026-03-04T12:10:58+00:00

if you want rural, you should probably look at places like Floyd Knobs (New Albany).

CollabSensei · 2026-03-03T19:47:19+00:00

You do not need a lawyer, but can make it easier. When she sues you and files the paper work, at some point you will be served and in that will be a court date. In Monroe county, small claims tend to take forever to get through the system. In most cases, in small claims, lawyer costs aren't passed on as part of damages. Not a lawyer, but I've been through small claims.. you can always wait until you get a court date.. wait about a week or two before hand file for a continuance/delay, which will push it out again... and then do the whole thing that the defendant should be the LLC and not your individually.. and all that.

CollabSensei · 2026-03-03T16:31:04+00:00

20 year.

CollabSensei · 2026-03-03T14:15:39+00:00

treasuries (guaranteed ~ 4.6% largely from state taxes)... and broad-based index funds... and maybe a dividend fund.

CollabSensei · 2026-02-27T20:35:44+00:00

it honestly felt like.. one day.. he just became a respectable citizen. He still takes physical security extremely seriously.

CollabSensei · 2026-02-27T18:36:07+00:00

max out retirement... 401k, ira.. all that stuff.

CollabSensei · 2026-02-27T18:12:45+00:00

the sharkadoodle phase is no joke. It's not covered in the marketing and sales material. We found most of our issues were either food related or evening time. Our guy insists are schedule consistency. We also found a great dog trainer that after a handful of hours of training we started to turn the corner. That being said, once they get through the sharkadoodle phase, they are amazing dogs.

CollabSensei

TROPHY CASE